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Credit Risk Modeler Jobs in Texas (NOW HIRING)

USAA

Lead Analyst, Credit Risk Strategy

Plano, TX · On-site

The Opportunity As a dedicated Bank Credit Risk Analyst Lead, you will have a strong background in ... May have model ownership responsibilities and drive accountability for quantitative model ...

USAA

Lead Analyst, Credit Risk Strategy

Plano, TX

The Opportunity As a dedicated Bank Credit Risk Analyst Lead, you will have a strong background in ... May have model ownership responsibilities and drive accountability for quantitative model ...

Braviant Holdings

Senior Credit Risk Analyst

Dallas, TX · On-site

Strong experience with Python for data analysis and modeling * Working knowledge of credit risk concepts: scorecards, vintage analysis, delinquency curves, loss forecasting * Ability to communicate ...

Braviant Holdings

Senior Credit Risk Analyst

Dallas, TX · On-site

Strong experience with Python for data analysis and modeling * Working knowledge of credit risk concepts: scorecards, vintage analysis, delinquency curves, loss forecasting * Ability to communicate ...

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Showing results 21-40

All JobsCredit Risk Modeler JobsCredit Risk Modeler Jobs in Texas

Credit Risk Modeler information

See Texas salary details

$112K

$130.5K

$168.6K

How much do credit risk modeler jobs pay per year?

As of Sep 11, 2026, the average yearly pay for credit risk modeler in Texas is $130,506.00, according to ZipRecruiter salary data. Most workers in this role earn between $119,200.00 and $133,600.00 per year, depending on experience, location, and employer.

What does a credit risk modeler do?

A Credit Risk Modeler is responsible for developing statistical models and analytical tools to assess the likelihood that borrowers will default on their loans or credit obligations. They use data analysis, statistical techniques, and machine learning algorithms to predict credit risk and help financial institutions make informed lending decisions. Their work involves gathering and cleaning data, building predictive models, validating model performance, and ensuring compliance with regulatory standards. Credit Risk Modelers play a crucial role in managing a bank's or lender's exposure to financial risk and maintaining a healthy loan portfolio.

What are the key skills and qualifications needed to thrive as a credit risk modeler?

To thrive as a Credit Risk Modeler, you need a solid background in quantitative finance, statistics, and data analysis, often supported by a degree in mathematics, finance, or a related field. Familiarity with programming languages such as Python, R, or SAS, as well as experience with risk modeling frameworks and regulatory requirements like Basel III, is typically required. Strong analytical thinking, attention to detail, and effective communication make a candidate stand out in this role. These skills are crucial for accurately predicting credit risk, ensuring regulatory compliance, and supporting informed decision-making in financial institutions.

How does a credit risk modeler typically collaborate with other departments within a financial institution?

Credit Risk Modelers frequently work alongside data scientists, underwriters, compliance teams, and business analysts to develop and refine risk assessment models. Collaboration with IT teams is common for implementing models into production systems, while regular interaction with regulatory and compliance groups ensures models meet legal standards. Effective communication with stakeholders is essential to translate technical findings into actionable business strategies, making cross-functional teamwork a key part of the role.

What is the difference between Credit Risk Modeler vs Credit Analyst?

AspectCredit Risk ModelerCredit Analyst
Required CredentialsBachelor's degree in finance, economics, or related field; often certifications like FRM or CFABachelor's degree in finance, accounting, or related field; certifications like CFA are common
Work EnvironmentQuantitative teams, risk management departments, financial institutionsBank branches, lending departments, credit departments
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending companies, credit bureaus

The main difference is that Credit Risk Modelers develop statistical models to assess and predict credit risk, focusing on quantitative analysis. Credit Analysts evaluate individual creditworthiness of borrowers, primarily through financial statement analysis and credit reports. Both roles require financial knowledge, but Modelers are more data and model-focused, while Analysts are more client and credit evaluation-focused.

What are popular job titles related to Credit Risk Modeler jobs in Texas?

For Credit Risk Modeler jobs in Texas, the most frequently searched job titles are:

What job categories do people searching Credit Risk Modeler jobs in Texas look for?

The top searched job categories for Credit Risk Modeler jobs in Texas are:

What are popular job titles related to Credit Risk Modeler jobs in TX?

For Credit Risk Modeler jobs in TX, the most frequently searched job titles are:

Credit Risk Modeler jobs near you
Infographic showing various Credit Risk Modeler job openings in Texas as of August 2026, with employment types broken down into 86% Full Time, and 14% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $130,506 per year, or $62.7 per hour.

Senior Director, Credit Risk Management

Richardson, TX • On-site, Remote

RealPage, Inc.
Software Development • 5 - 10K employees
Learn more about RealPage, Inc.external

$140K - $239K/yr

Other

Medical, Dental, Vision, Retirement, PTO

Posted 17 days ago

RealPage rating

6.0

Company rating: 6.0 out of 10

Based on 9 frontline employees who took The Breakroom Quiz

Job description

Overview
We are seeking an experienced Senior Director of Credit Risk Management to lead the credit risk function for our payments and fintech platform. This role owns the strategy, policies, and infrastructure that manage counterparty, merchant, and transactional credit exposure across our payment products - including merchant acquiring, lending, and embedded finance offerings. The ideal candidate combines deep quantitative credit risk expertise with hands-on leadership of underwriting, portfolio monitoring, and loss mitigation teams, and partners closely with Product, Data Science, Finance, Compliance, and Operations to balance growth with prudent risk management.
Responsibilities
  • Own the end-to-end credit risk strategy for the company's payments and fintech portfolio, including merchant/counterparty underwriting, exposure limits, reserve requirements, and loss forecasting.
  • Design, implement, and continuously refine credit risk policies, scorecards, and underwriting models to balance risk appetite with revenue and conversion goals.
  • Build and lead a high-performing team of credit risk managers and analysts; set goals, coach performance, and develop talent.
  • Monitor portfolio performance (delinquency, chargebacks, default rates, loss ratios) and proactively identify emerging risk trends across merchant segments, verticals, and payment products.
  • Partner with Data Science/Analytics to develop and validate credit scoring models, machine-learning underwriting tools, and early-warning indicators.
  • Set and manage credit risk appetite, exposure limits, and reserve/collateral policies in partnership with Finance and Treasury.
  • Lead loss mitigation, collections strategy, and workout processes for delinquent or high-risk accounts.
  • Present credit risk metrics, portfolio health, and key decisions to executive leadership, Risk Committee, and the Board as needed.
  • Ensure credit risk practices comply with applicable regulatory requirements (e.g., card network rules, BSA/AML-adjacent controls, state lending regulations) in partnership with Legal and Compliance.
  • Own credit risk components of due diligence for new products, partnerships, and market expansion, including BNPL, embedded lending, and merchant cash advance offerings.
  • Drive automation and scalability of credit underwriting and monitoring processes to support rapid business growth.
  • Manage relationships with external data providers, bureaus, and risk technology vendors.

Qualifications
  • 12+ years of progressive experience in credit risk management, with at least 5-7 years in a senior leadership role; payments, fintech, card issuing/acquiring, or commercial lending background strongly preferred.
  • Bachelor's degree in Finance, Economics, Statistics, or related field required; MBA or advanced quantitative degree a plus.

KNOWLEDGE/SKILLS/ABILITIES
  • Proven experience building or scaling a credit risk function, including underwriting frameworks, portfolio monitoring, and loss mitigation at a high-growth or transaction-volume business.
  • Strong quantitative background: experience with credit scoring models, statistical/ML-based underwriting, and portfolio risk analytics.
  • Track record of managing exposure and losses across a merchant or borrower portfolio, including chargeback/dispute risk, fraud-adjacent losses, and counterparty default.
  • Deep understanding of payments ecosystem dynamics (card networks, ACH, merchant acquiring, or lending) and related regulatory frameworks.
  • Demonstrated people leadership: hiring, developing, and managing credit risk or underwriting teams.
  • Excellent executive communication skills, with experience presenting to senior leadership, Risk Committees, or Boards.
  • Experience with SQL, Python, R, or similar tools for risk analytics preferred.

SALARY AND BENEFITS
RealPage provides a competitive salary package along with a comprehensive benefit plan that includes:
  • Health, dental, and vision insurance.
  • Retirement savings plan with company match.
  • Paid time off and holidays.
  • Professional development opportunities.
  • Performance-based bonus based on position.

#LI-AS2
#LI-REMOTE
Compensation may vary depending on your location, qualifications including job-related education, training, experience, licensure, and certification, that could result at a level outside of these ranges. Certain roles are eligible for additional rewards, including annual bonus, and sales incentives depending on the terms of the applicable plan and role as well as individual performance.
Equal Opportunity Employer: RealPage Company is an equal opportunity employer and committed to creating an inclusive environment for all employees.
Pay Range
USD $140,600.00 - USD $239,400.00 /Yr.

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